Learn credit management, banking risks and lending principles. Analyze various statements, and master credit risk management best practices. Read more.
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Who this course is for:
- Perfect for bankers and finance professionals aiming to advance in their careers.
- Designed for those who’ve identified their weaknesses and knowledge gaps and want to overcome them.
- Also great for Commerce and Finance students looking to enhance their understanding and skills in banking.
What you’ll learn:Â
- Banking Risks and Lending Principles
- Credit risk management best practices
- Due Diligence in Credit
- Feasibility and Viability Study
- The legal aspects of Sole Proprietorship, Partnership Firm, and Company
- The Borrowing Powers of a Company
- Financial Statements
- Balance Sheet Structure and its concepts
- Income Statement
- How to Analyse Income Statement
- Ratio Analysis and how to Analyse a Financial Statement
- Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker
- Term Loan Characteristics
- DSCR Concept in whole and applying a bank’s benchmark ratio for decision making
- Break Even Analysis
- How to prepare a Depreciation Schedule
- How to calculate Repayment Schedule
- How to calculate Insurance Premium.
- How to process a Term Loan through case studies
- How to take credit decisions by applying a bank’s benchmark ratios
- Test your learning through loads of MCQs
Requirements:Â
- You don’t need any previous knowledge to join the course. Just concentrate on learning and make sure to take notes.
Do you struggle with grasping concepts of banking credit and finance? Are you at ease with analyzing balance sheets, assessing profitability, using ratios, understanding DSCR, evaluating working capital, and appraising term loans?
If you work as a Branch Head or Credit Officer in a bank or finance company and are involved in building a high-quality loan portfolio, this course is designed for you. It is geared towards helping you advance in your career by providing insights into the fundamentals of credit, legal aspects, and finance-related matters. The course will teach you how to independently prepare and analyze financial statements. With a focus on clarity and understanding, you will focus into the world of financial statements and their analysis. The course covers practical aspects, how to effortlessly work with financial statements and analyze ratios using Excel, so you could make credit decisions aligned with the bank’s standards.
How is this course different?
- Focus on banking concepts with Practical Inputs
- Focus on Legal Concepts
- Focus on Finance Concepts with Case Studies
- Step-by-step calculation of Financial Statements in Excel with Analysis
- Step-by-step calculation of Financial Ratios in Excel with Interpretation
- Helps you to decide on a Loan Proposal based on your findings and Bank’s Financial Benchmarks
- MCQs at the end to self-test your understanding
The Course is divided into 10 Modules with several lectures in each of them.
The 1st Module deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 Cs and 6 Ps of the Borrower, MASTDAY Principle on Security and Feasibility and Viability Study
The 2nd Module deals with Different types of Borrowers, containing 6 Lectures. Here you will learn the legal aspects related to Individual Business, Sole Proprietorship Firms, Partnership Firms, Public Limited and Private Limited Companies, One Person Company and Limited Liability Companies
The 3rd Module deals exclusively with Borrowing Powers of Companies.
The 4th Module deals with different Financial Statements.
The 5th Module deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves and Surplus, Concept of Depreciation and its calculation, the concept of Gross Block and Net Block, concepts of Intangible Assets, Investments and Current Assets.
The 6th Module deals with Income Statement in detail and its analysis with examples and case studies in 2 lectures.
The 7th Module deals with Ratio Analysis and its Interpretation in 7 lectures. Here you will learn about the Ratios in general and also Liquidity Ratios, Solvency Ratios, Turnover Ratios, and Profitability Ratios with hands-on working with case studies in excel format. In the end, you will find an interpretation of the Ratios with case studies.
The 8th Module deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the interrelation of Margin and Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.
The 9th Module deals with Term Loan Appraisal containing 7 lectures. You will learn the concept of Term Loan, Calculation of Depreciation, working out Repayment Schedule, Insurance Schedule, Concept of DSCR and its calculation, working out Security Coverage Ratio, Concept of Break-Even and its Analysis with Case Studies.
Finally, in the 10th Module, you will find a Term Loan Case Study in 7 lectures with the hands-on working of Project Cost and Means of Finance, various schedules, Profit & Loss Account, DSCR, Reserves and Surplus, Cash Flow Statement, and Balance Sheet.
You will also find Self- Assessment Tests at the end of each module containing Multiple Choice Questions. I advise you to attempt all the MCQs and Test your Understanding.Â
Explore more of our personal and career development course offerings, visit our instructor profile now!
Our Promise to You
By the end of this course, you will have learned the fundamentals of credit, legal aspects, and finance-related aspects.
10 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.
Get started today and learn more about credit management.
Course Curriculum
| Section 1 - Course Outline | |||
| Course Outline | 00:00:00 | ||
| Downloadable Course Resources | 00:00:00 | ||
| Section 2 - Module 1 - Principles Of Lending | |||
| Banking Risks And Lending Principles | 00:00:00 | ||
| Due Diligence In Credit | 00:00:00 | ||
| 3 C’s Of The Borrower | 00:00:00 | ||
| 6 P’s Of The Borrower | 00:00:00 | ||
| MASTDAY Principle On Security | 00:00:00 | ||
| Feasibility And Viability Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 3 - Module 2 - Types Of Borrowers | |||
| Introduction | 00:00:00 | ||
| Individual Borrower | 00:00:00 | ||
| Partnership Firms | 00:00:00 | ||
| HUF | 00:00:00 | ||
| Company Features | 00:00:00 | ||
| Hybrid Companies | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 4 - Module 3 - Borrowing Powers Of A Company | |||
| Borrowing Power Of A Company | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 5 - Module 4 - Understanding Financial Statements | |||
| What Are Financial Statements | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 6 - Module 5 – Understanding Balance Sheet | |||
| Balance Sheet Structure And Concepts | 00:00:00 | ||
| Assets – Fixed Assets | 00:00:00 | ||
| Other Assets | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 7 - Module 6 - Income Statement | |||
| What Is Income Statement | 00:00:00 | ||
| Analysis Of Income Statement | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 8 - Module 7 - Ratio Analysis And Interpretation | |||
| Introduction To Ratios | 00:00:00 | ||
| Liquidity Ratios | 00:00:00 | ||
| Practical Work Out With Liquidity Ratios | 00:00:00 | ||
| Solvency Ratios | 00:00:00 | ||
| Turnover Ratios | 00:00:00 | ||
| Profitability Ratios | 00:00:00 | ||
| Interpretation Of Ratios | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 9 - Module 8 - Appraisal Of Working Capital Loan | |||
| What Is Working Capital Loan | 00:00:00 | ||
| Working Capital Cycle | 00:00:00 | ||
| CC Limit, Margin And Drawing Power | 00:00:00 | ||
| Turnover Method | 00:00:00 | ||
| MPBF Methods With Case Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 10 - Module 9 - Appraisal Of Term Loan | |||
| Characteristics Of Term Loans | 00:00:00 | ||
| Calculation Of Depreciation | 00:00:00 | ||
| Drawing Repayment Schedule | 00:00:00 | ||
| Calculating DSCR | 00:00:00 | ||
| Security Coverage Ratio | 00:00:00 | ||
| Break Even Analysis | 00:00:00 | ||
| Break Even Case Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 11 - Module 10 - Term Loan Case Study | |||
| Technical And Financial Parameters | 00:00:00 | ||
| Project Cost And Means Of Finance | 00:00:00 | ||
| Working Of Various Schedules | 00:00:00 | ||
| Profit And Loss Account, DSCR, And Reserves And Surplus | 00:00:00 | ||
| Cash Flow Statement | 00:00:00 | ||
| Balance Sheet | 00:00:00 | ||
| Analysis Of The Case Study | 00:00:00 | ||
About This Course
Who this course is for:
- Perfect for bankers and finance professionals aiming to advance in their careers.
- Designed for those who’ve identified their weaknesses and knowledge gaps and want to overcome them.
- Also great for Commerce and Finance students looking to enhance their understanding and skills in banking.
What you’ll learn:Â
- Banking Risks and Lending Principles
- Credit risk management best practices
- Due Diligence in Credit
- Feasibility and Viability Study
- The legal aspects of Sole Proprietorship, Partnership Firm, and Company
- The Borrowing Powers of a Company
- Financial Statements
- Balance Sheet Structure and its concepts
- Income Statement
- How to Analyse Income Statement
- Ratio Analysis and how to Analyse a Financial Statement
- Computation of Working Capital Loan by Applying Turnover Method and MPBF Methods by a banker
- Term Loan Characteristics
- DSCR Concept in whole and applying a bank’s benchmark ratio for decision making
- Break Even Analysis
- How to prepare a Depreciation Schedule
- How to calculate Repayment Schedule
- How to calculate Insurance Premium.
- How to process a Term Loan through case studies
- How to take credit decisions by applying a bank’s benchmark ratios
- Test your learning through loads of MCQs
Requirements:Â
- You don’t need any previous knowledge to join the course. Just concentrate on learning and make sure to take notes.
Do you struggle with grasping concepts of banking credit and finance? Are you at ease with analyzing balance sheets, assessing profitability, using ratios, understanding DSCR, evaluating working capital, and appraising term loans?
If you work as a Branch Head or Credit Officer in a bank or finance company and are involved in building a high-quality loan portfolio, this course is designed for you. It is geared towards helping you advance in your career by providing insights into the fundamentals of credit, legal aspects, and finance-related matters. The course will teach you how to independently prepare and analyze financial statements. With a focus on clarity and understanding, you will focus into the world of financial statements and their analysis. The course covers practical aspects, how to effortlessly work with financial statements and analyze ratios using Excel, so you could make credit decisions aligned with the bank’s standards.
How is this course different?
- Focus on banking concepts with Practical Inputs
- Focus on Legal Concepts
- Focus on Finance Concepts with Case Studies
- Step-by-step calculation of Financial Statements in Excel with Analysis
- Step-by-step calculation of Financial Ratios in Excel with Interpretation
- Helps you to decide on a Loan Proposal based on your findings and Bank’s Financial Benchmarks
- MCQs at the end to self-test your understanding
The Course is divided into 10 Modules with several lectures in each of them.
The 1st Module deals with Principles of Lending, containing 6 lectures. Here you will learn the Banking Risks and Lending Principles, Due Diligence in Credit, 3 Cs and 6 Ps of the Borrower, MASTDAY Principle on Security and Feasibility and Viability Study
The 2nd Module deals with Different types of Borrowers, containing 6 Lectures. Here you will learn the legal aspects related to Individual Business, Sole Proprietorship Firms, Partnership Firms, Public Limited and Private Limited Companies, One Person Company and Limited Liability Companies
The 3rd Module deals exclusively with Borrowing Powers of Companies.
The 4th Module deals with different Financial Statements.
The 5th Module deals with Balance Sheet Concepts containing 3 lectures. You will learn with examples the Balance Sheet Structure and its interrelationships, the calculation of Reserves and Surplus, Concept of Depreciation and its calculation, the concept of Gross Block and Net Block, concepts of Intangible Assets, Investments and Current Assets.
The 6th Module deals with Income Statement in detail and its analysis with examples and case studies in 2 lectures.
The 7th Module deals with Ratio Analysis and its Interpretation in 7 lectures. Here you will learn about the Ratios in general and also Liquidity Ratios, Solvency Ratios, Turnover Ratios, and Profitability Ratios with hands-on working with case studies in excel format. In the end, you will find an interpretation of the Ratios with case studies.
The 8th Module deals with Assessment of Working Capital Loan containing 5 lectures. Here you will learn the concepts of Working Capital, Working Capital Cycle, the interrelation of Margin and Drawing Power with CC Limit, Turnover Method of computation, and MPBF Methods of Assessment with case studies.
The 9th Module deals with Term Loan Appraisal containing 7 lectures. You will learn the concept of Term Loan, Calculation of Depreciation, working out Repayment Schedule, Insurance Schedule, Concept of DSCR and its calculation, working out Security Coverage Ratio, Concept of Break-Even and its Analysis with Case Studies.
Finally, in the 10th Module, you will find a Term Loan Case Study in 7 lectures with the hands-on working of Project Cost and Means of Finance, various schedules, Profit & Loss Account, DSCR, Reserves and Surplus, Cash Flow Statement, and Balance Sheet.
You will also find Self- Assessment Tests at the end of each module containing Multiple Choice Questions. I advise you to attempt all the MCQs and Test your Understanding.Â
Explore more of our personal and career development course offerings, visit our instructor profile now!
Our Promise to You
By the end of this course, you will have learned the fundamentals of credit, legal aspects, and finance-related aspects.
10 Day Money Back Guarantee. If you are unsatisfied for any reason, simply contact us and we’ll give you a full refund. No questions asked.
Get started today and learn more about credit management.
Course Curriculum
| Section 1 - Course Outline | |||
| Course Outline | 00:00:00 | ||
| Downloadable Course Resources | 00:00:00 | ||
| Section 2 - Module 1 - Principles Of Lending | |||
| Banking Risks And Lending Principles | 00:00:00 | ||
| Due Diligence In Credit | 00:00:00 | ||
| 3 C’s Of The Borrower | 00:00:00 | ||
| 6 P’s Of The Borrower | 00:00:00 | ||
| MASTDAY Principle On Security | 00:00:00 | ||
| Feasibility And Viability Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 3 - Module 2 - Types Of Borrowers | |||
| Introduction | 00:00:00 | ||
| Individual Borrower | 00:00:00 | ||
| Partnership Firms | 00:00:00 | ||
| HUF | 00:00:00 | ||
| Company Features | 00:00:00 | ||
| Hybrid Companies | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 4 - Module 3 - Borrowing Powers Of A Company | |||
| Borrowing Power Of A Company | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 5 - Module 4 - Understanding Financial Statements | |||
| What Are Financial Statements | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 6 - Module 5 – Understanding Balance Sheet | |||
| Balance Sheet Structure And Concepts | 00:00:00 | ||
| Assets – Fixed Assets | 00:00:00 | ||
| Other Assets | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 7 - Module 6 - Income Statement | |||
| What Is Income Statement | 00:00:00 | ||
| Analysis Of Income Statement | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 8 - Module 7 - Ratio Analysis And Interpretation | |||
| Introduction To Ratios | 00:00:00 | ||
| Liquidity Ratios | 00:00:00 | ||
| Practical Work Out With Liquidity Ratios | 00:00:00 | ||
| Solvency Ratios | 00:00:00 | ||
| Turnover Ratios | 00:00:00 | ||
| Profitability Ratios | 00:00:00 | ||
| Interpretation Of Ratios | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 9 - Module 8 - Appraisal Of Working Capital Loan | |||
| What Is Working Capital Loan | 00:00:00 | ||
| Working Capital Cycle | 00:00:00 | ||
| CC Limit, Margin And Drawing Power | 00:00:00 | ||
| Turnover Method | 00:00:00 | ||
| MPBF Methods With Case Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 10 - Module 9 - Appraisal Of Term Loan | |||
| Characteristics Of Term Loans | 00:00:00 | ||
| Calculation Of Depreciation | 00:00:00 | ||
| Drawing Repayment Schedule | 00:00:00 | ||
| Calculating DSCR | 00:00:00 | ||
| Security Coverage Ratio | 00:00:00 | ||
| Break Even Analysis | 00:00:00 | ||
| Break Even Case Study | 00:00:00 | ||
| Self Assessment Test | 00:00:00 | ||
| Section 11 - Module 10 - Term Loan Case Study | |||
| Technical And Financial Parameters | 00:00:00 | ||
| Project Cost And Means Of Finance | 00:00:00 | ||
| Working Of Various Schedules | 00:00:00 | ||
| Profit And Loss Account, DSCR, And Reserves And Surplus | 00:00:00 | ||
| Cash Flow Statement | 00:00:00 | ||
| Balance Sheet | 00:00:00 | ||
| Analysis Of The Case Study | 00:00:00 | ||
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